Warning lights
Signals from the annual accounts, the CBE and the Official Gazette, each with its threshold and source. No score, no verdict.
-
Negative equity NBB
More debt than assets in 4 of the last 4 fiscal years.
Financials
Financial year 2024
VKM INSURANCE from Brecht, company number BE0547943496, closed financial year 2024 with a result of € 12,085 after tax. For that financial year VKM INSURANCE recorded a gross margin of € 19,521 and equity of € -564. Compared with financial year 2023, the result moved from € -2,620 to € 12,085. Profitable, and profit is growing. More debts than assets. High debts against a small own buffer. The most recent annual accounts were filed with the National Bank of Belgium on October 10, 2025.
€ -564
▲ € 12,085 vs 2023
Assets minus debts, by the books. What is left if everything were sold and paid today.
€ 12,085
▲ still € 2,620 loss in 2023
Profit after tax over the fiscal year.
€ 1,719
▲ € 1,708 vs 2023
Cash and bank balances on the last day of the fiscal year.
Stays in the company
No dividend for 2024. Retained profit grew to € -6,764.
People and assets in 2024
€ 1,004
▼ 50% vs 2023
Book value of vehicles, furniture and equipment.
Debts at end 2024
€ 5,883
▼ 44% vs 2023
€ 4,699 is repaid this year. At this pace the long-term loan is gone in ≈ 1 years.
€ 4,731
▼ 77% vs 2023
Supplier invoices still open on the last day of the fiscal year.
€ 6,741
▲ 107% vs 2023
Corporate tax and VAT still to pay. No wage debt: nothing outstanding to staff or social security.
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| 2021 | 2022 | 2023 | 2024 | Change 2023 → 2024 | |
|---|---|---|---|---|---|
| Gross margin | € 3,963 | € 4,502 | € 11,375 | € 19,521 | ▲ 72% |
| Profit after taxes | € -7,242 | € -9,120 | € -2,620 | € 12,085 | ▲ € 14,705 |
| Equity | € -910 | € -10,029 | € -12,649 | € -564 | ▲ € 12,085 |
| Total debts | € 32,093 | € 31,815 | € 42,954 | € 27,616 | ▼ 36% |
| Cash | € 516 | € 0 | € 11 | € 1,719 | ▲ € 1,708 |
| Retained profit | € -7,110 | € -16,229 | € -18,849 | € -6,764 | ▲ € 12,085 |
| Bank debt | € 20,710 | € 15,110 | € 10,524 | € 5,883 | ▼ 44% |
| Balance sheet total | € 31,184 | € 21,786 | € 30,305 | € 27,053 | ▼ 11% |
Key figures of VKM INSURANCE, fiscal years 2021 to 2024, from the annual accounts filed with the National Bank of Belgium.The annual account for fiscal year 2025 has not been filed yet; it was expected before 31 July 2026.
What happened to VKM INSURANCE?
What happened at VKM INSURANCE in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:
- New annual accounts for financial year 2024: profit of € 12,085. filed late Source: NBB ↗
- New establishment in Brecht. KBO
- Michel Kempen became a director. NBB
- Matthias Van den Bergh became a director. NBB
- Start of the company according to the CBE. KBO
In short
From € 7,242 loss in 2021 to € 12,085 profit in 2024.
Paid € 8,121 in corporate taxes since 2021.
Best year ever: 2024, with € 12,085 profit.
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De Lijn 8 June 2026 New annual account 2025
filed on 8 June 2026
What was left
€ 20 k ▼ 91%
Money in the bank
€ 178 k ▼ 98%
Open the dossier →
NMBS 8 June 2026 New annual account 2025 What was left ▼ 80%
bpost 18 May 2026 New annual account 2025 What was left from loss to profit
Management
Behind VKM INSURANCE are Michel Kempen and Matthias Van den Bergh. Michel Kempen is also behind M & R ZAKENKANTOOR.
Directors
According to the 2024 annual accounts
since 2014
Matthias Van den Bergh
Director
since 2014
Establishments
Establishment units
Physical locations of this company
Sluisvijfbaan 8
2960 Brecht
What is an establishment unit? An establishment unit is a geographically identifiable place where activities of the enterprise are carried out.
Details
- Company number
- 0547.943.496
- VAT number
- BE 0547.943.496
- Registered office
- Sluisvijfbaan 8, 2960 Brecht
- Names & denominations
- VKM INSURANCE
- Enterprise type
- Rechtspersoon
- Legal form
- Private limited company
- Legal situation
- Normale toestand
- Start date
- 11 March 2014
- Peppol
- Active · Active since 19 Aug 2025